sallie mae student loans-in default and i asked for TPD forgiveness

they sent me the forms to fill out and give to my doc and he filled them out but sallie mae says it could take up to a year b/c the forgive any if at all loans.

after 30 days they can attach your home and bank accounts and even garnish 10-15% of your ssdi income and take your taxe return.

waht do i do, i sent by epxress mail the doc form and everytime i call on the phone i get a rep who frustrated me by not listsening to waht i am saying or doing, they ignore me.

they sento on of the forms back to my doctor saying hte dates were incorrect and i wenttosee him to tofay for tw oshots and have him re-fill out the form and then mailed express mail, these people scare me, they ahve more pwoer than the irs and child support services. i am square with the irs as i didnt make any morey to declare,

the child support thingi s over with i met my obligation for my son and am done with him legally.

but i have a hosue and i do not want it attached so maybe i should put it in my sons name and take it out of my name

so maybe i can do this i am just looking for a legal way out of this b/c i cant pay back that money and they will take out 10-15% of my ssdi pay, i legally have the right to ask for student loan forgiveness b/c i am considered totally permanently disabiled but they do not go by the same standards as ssA does nor can you protest their decision like you can with ssa.

so they are like the police who make their own rules. only way you can get outta paying them is if you die but they can put leins on everything you own before you die and so therefore can attach anything you own before you croak....

i figured i would try the TPD route and applied but sallie mae does  not all follow SSA guidelines, they do not have the same creatia as SSA has and once they rule , you can not fight them for appeal for s Loans to be forgiven

hi yalinda- i am most certain that these federally funded loans by sallie mae can not be forgiven in bankruptcy courts-ever.

they are forgiven 2 ways, 1. you die, 2. you are TPD and apply to them for this ( using their forms) but i hear from the grapevine that they do not like to do this and can take your taxe returns ( i have no substantial income so any taxes they get will be naught) and or can put leins on anything thing you own bacnk accoutns, houses cars, etc.

they can and have the power to collect 10-15% of your ssdi money from the feds if all else fails. i do not work and only made 5700 in money income last year that i declared. so the odds of them taking my taxe money wil be nill as there is none to get.

but please find out from your friend who they used which atty helped them, if it was an ssdi atty they may not know about feds funded G-ment loans like sallie mae.

thanks if you can find out any info. i am going to speak to an estate atty tomrrow to see if they can acutally take my paltry ssdi income for  being in delinquency with these loans.

i explained to the lady who i am working with in sallie mae that this was not my fault and the doc who operated on me is being sued by dozens of other people and that i treid to sue her also but the attys will not take my case b/c she has so many peeps suing her that her insuracen will run out. the worst cases ( peeps who are in wheelchairs and died from her take priority over cases like mine who are just in chronic pain from her botched op) so no more moeny left for peeps like me as i am still alive, pretty pathetic situation, and the doc is not working now from what i here and pet everything in her mom 's name to aviod being personally attacked by attys